Thank you for the good tips . Is it possible if you can please speak a little slower. I’m sorry , I’m not criticizing you but it’s hard to understand . Take care ❤
I like your topic explaining to our kabayan before they come to Canada. It's well said. I lived in Vancouver for 36years I thanked God I'm now retired and happy with my retirement. God bless!
Kaya pala mareklamo ka wala Kang permanent job. You are giving wrong informations. Hindi lahat ng sinasabi mo ay ganoon ang nangyari sa lahat. You should live within your means. That’s it kung magarbo ka Hindi ka practical sa buhay. Blah blah blah 😢
Umuwi ka na lang sa Piñas. Ang daming gustong makapunta sa Canada. Niwawalan mo ng gana. Baka naman mayaman ka sa Piñas e huwag ka na lang mag sacripicio dito kung mareklamo ka. Kahit sa ibang bansa ganyan din dapat masipag ka. Reklamo ka na nang reklamo, go back na lang sa Piñas at doon ka magpasarap kung may pera ka. Stop complaining. You learn as you stay longer in Canada. Please stop complaining just for the sake of getting more followers
Well obviously living up like the JONESES w upon arrival thru LOANS & PLASTIC money aka CREDIT CARD would lead to broke life nobody has to advice about expenses it's COMMON SENSE 😢
Okay lang naman sa Calgary. Although big city basta wag ka lang pumasok sa utang na malalaki gaya ng sasakyan at ibang mga gamit na bibilhin mo from credit or loan.
The most basic requirement is having a budget and monitoring expenses against it. Kung wala ka nito madali kang mabaon sa utang. If you want to build a credit score you only need 1 credit card that you pay in full every month.
With that pay & your not steady income, mahirapan talaga kayo. Not sure where you going to get your business money. How much can you bring to Pinas? What kind of business can you put up that will make you rich in Pinas. Money makes money so you need a lot of money to make money & that means millions of Pesos plus connections in high places sa Pinas. You have to have a lot of money in the bank for rainy days & also for when you retire to keep your lifestyle, pay for medical bills or when & if a catastrophic illness or accident hit you.
Ganyan po talaga ang mindset kapag hindi ka nagplan and prepare. And you actually don't need millions to start a business if you know what you're doing.
My wife and I have been lucky financially as it was mostly upward trajectory in our life in HK. That was because we didn't buy much stuff because the places we lived were small and we didn't need a car. It also helped our salaries went up after every childbirth. Most beneficial was we had a katulong which enabled my wife to pursue her career fully.
Philippines is on the verge of war with China. China has already started marginalizing the Philippines. The cost of life in the Philippines will skyrocket.
Retiring in developed country is much better than undeveloped country like Pinas. Young & healthy ok but when you're a senior 65 yrs old & above, wala kang healthcare & you need that as you aged cuz you'll have multiple health issues as you aged. Major surgery cost over a million pesos. Even when you're young, you can get into a major accident. I know someone that was in ICU at St. Lukes for 3 weeks & his total bill was $70K which is around 4 million pesos.
Paano siguro walang control sa sarili,know your limits!Kasi sa Canada maski walang collateral ay pauutangin ka ng bangko pero iyung limitado,ayun sa kakayahan ang alam ko!
The key to saving and investing for retirement is to stay away from Lifestyle Creep. The way I did it was to have no more than US$300 in my bank account. Any bonuses or profits I made over the years that were deposited in my bank account were quickly transferred to our family's investment account. Even today I still only have $300 in my bank account but now that I'm older I've resorted to getting a weekly allowance from my wife so I don't have to go the ATM. Maintaining only $300 in my personal account has kept me grounded and more aware of wants vs needs. I also have a credit card but I mainly use that for booking trips and paying for services and goods online.
I liked buying used. Saved a lot over the years. But at nearly 61 I'm finally gonna buy a new car, an EV. All cash, no need for financing at my age after saving so much buying used cars over the years.
I'm in the same page as your husband. Living within our means in the beginning meant I had no reason to buy anything I didn't need or worse buy something on credit. I took public transport, ate basic less processed foods and no vacations until I reached a comfortable income and savings level. I'm a quiet saver and ever more quiet investor.
